<liketuimages> <center> ![cl9v2vjqz01ni1dkc052qgi53_catwomanteresa_financial_misconception03.webp](https://cdn.liketu.com/media/catwomanteresa/images/cl9v2vjqz01ni1dkc052qgi53_catwomanteresa_financial_misconception03/cl9v2vjqz01ni1dkc052qgi53_catwomanteresa_financial_misconception03.webp) </center> </liketuimages> ## 『理財錯誤三、過度消費』 ### 🔶 有智慧的女人懂得高效花費 「女人的衣櫃中總是少一件衣服」,你是不是也有這種感覺? 如果你發現自己的花費中,有很大的比例花在外觀打扮上,這絕對是可以節省的開銷。 我不是要大家停止打扮,外在美絕對是每個女人都必須悉心維護的!美貌可以悅人悅己,更是對自己能力的最佳證明 。 維持美貌,一需要使用有效的方法及產品,有足夠的智慧做判斷,才能有效率的打造自己精緻的外表。 二需要自律,「世上沒有醜女人只有懶女人」,不管是細緻的膚質或是緊實的身材,都需要鍥而不捨的每日維護,從外在形象就可以看出一個人是否具備自律精神。 但是,如果因為打理自己的外表造成過度消費,影響了投資理財,甚至沒有意識到自己捲入了高利息的債務漩渦,反而是不智的行為。 買衣服之前,先想想自己是不是有類似的服裝,衣櫃裡有沒有可以搭配的衣服?能夠穿出時尚的感覺,不在於衣服的款式很多,而在於有沒有搭配的能力與美感。 買化妝品之前,想想自己是不是已經有類似顏色的眼影口紅?女孩們購買同色口紅時會說服自己,不同的質地可以創造出不同的妝感。事實上,只要可以襯托出你的氣質,就算化妝台上只有一支最適合你的唇膏,也可以讓你在眾多人中脫穎而出。 <center>![](https://www.catwomanteresa.com/wp-content/uploads/2022/10/catwomanteresa_shopping01-e1666766853509.jpg)</center> ### 🔶 社群媒體上的網路人生是奮鬥目標,而不是模仿目標 在現今社群媒體流行的時代,人人都不吝於在網路上分享自己的生活,這造成了一個不太健康的現象,就是我們會不自覺地去攀比別人過的生活。![](https://images.ecency.com/DQmNqFjsiSm1ZywVaTCMy859QpDoKiDCoEsNJcEdyJa621B/no14.gif) 網紅在Istagram 秀出新入手的精品包、美妝youtuber展示滿抽屜滿櫥櫃的口紅眼影盤 在社群媒體的世界,似乎人人都只上高檔餐廳吃飯,每個人家裡都美得像純白色的樣品屋 女性很容易受到這種情境上的刺激,以為每個女生都應該擁有好幾個精品包,彷彿沒有跟上這種高價人生,就是人生不夠成功美滿。 貓女要提醒女孩們理性想一想,網紅或朋友會放上網路的照片,通常都是自己生活中比較美好的部份,甚至有些人也會因為想在網路上呈現自己過得很好的形象,刻意花錢精心設計展示的內容。有些則是因為工作性質的關係,有源源不絕的公關品可供展示。 不了解的人,以為大家都是這樣滿山滿谷的衣服化妝品往家裡搬,如果自己沒有這樣,就是過得不如人。 若是將這種高品質人生當作奮鬥目標也算是件好事,但如果因為追逐那些虛幻的網路人生,而做出超出自己能力範圍的消費,甚至用信用卡透支自己的未來,只會讓財富離自己越來越遠。![](https://images.ecency.com/DQmZQcEpP5zKbjBbW5seVuaBHAou5nBHC8vGXorJMQas51x/break09.gif) <center>![](https://www.catwomanteresa.com/wp-content/uploads/2022/10/catwomanteresa_growth01.jpg)</center> ### 🔶 信用卡循環利息的陷阱 很多人對於信用卡的高循環利息沒有概念,信用卡不只利息高,而且沒有還清的債務,會跟下個月產生的新債務合在一起變成計算利息的本金。 暫時不必還款卻可以提前享受,讓很多人沒有留意到循環利息已經 像雪球一樣越滾越大,而且速度越來越快。 ### 🔶 信用卡分期不要濫用 另一個信用卡陷阱就是分期付款,花一點小小的利息或是零利率分期,可以讓自己輕鬆負擔原本超過能力範圍的消費,反正每個月還有收入,還款沒有壓力。 於是分期買的物品越來越多,到最後才驚覺每個月要還的分期付款金額已經累積到自己難以負擔。 市面上出現越來越多先享受後付款的金融產品,都是推你入坑的陷阱。 很多人以為只要記得期限內準時還款就沒事,實際上,先享受後付款的消費習慣很容易上癮,如果沒有隨時追蹤自己的花費並且嚴格執行還款計畫,一不小心就會讓自己成為背債族 這又牽扯到我們後面要探討的另一個理財錯誤。 完整文章搶先看:https://www.catwomanteresa.com/2022/12/wrong-investment-concept-of-female/ <center>♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️</center> <center>Follow my blog:https://www.catwomanteresa.com</center> <center>Follow my IG: https://www.instagram.com/catwoman_teresa</center> <center>Follow my Youtube: https://www.youtube.com/c/CatwomanTeresa</center> <center>Follow my Facebook: https://www.facebook.com/catwomanteresa</center> <center>♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️♥️</center> ### <center>❤️My recent posts❤️</center> |![loser.jpg](https://images.hive.blog/768x0/https://images.ecency.com/DQmZjwL23tdphvuYvv1mudJKWjJe8nGBWXha2asbcBkXiDc/catwomanteresa_financial_misconception01.jpg)| ![項鍊海岸工作室.jpg](https://images.hive.blog/768x0/https://cdn.liketu.com/media/catwomanteresa/images/cl8xcohwp00iw2ckchq1g4jev_1E8E6BC8-15D4-4419-92D1-4F197E62FE28/cl8xcohwp00iw2ckchq1g4jev_1E8E6BC8-15D4-4419-92D1-4F197E62FE28.webp)| ![聰哥食堂](https://images.ecency.com/p/duJmkTMfEvWwtU47bjBGZmTLmrccwcwo2atkXk1r3hk4ouz4pkHgExBuDgBc1D2nYffaCSTN3Kew5DsTE9oEqWvc8vGnhoopEqJipwtiKbstYsJxgpZiiQnft5YGf9duPiJhCWBkbG8Fv2sZe9rhzyMQU47mx3UsGc3ALLdUwWeUxsBAggdHguLeoEpBPyyC9zcGCHono54dbxcp4wJy5o8Ao3cmouGjegGKPFXYCvgxtZLFtCYRmJGNHGu8zdGHdH.webp)| | ------------ | ------------ | ------------ | | [Make Money with Catwoman Teresa-女性常見的理財錯誤觀念(一)](https://ecency.com/hive-105017/@catwomanteresa/make-money-with-catwoman-teresa-common-misconceptions-about-financial-management-among-women)|[Study with Catwoman Teresa 攝影調色-項鍊海岸工作室](https://hive.blog/hive-105017/@catwomanteresa/7ecfnd-study-with-catwoman-teresa)| [Make Money with Catwoman Teresa-女性常見的理財錯誤觀念(二)](https://ecency.com/hive-105017/@catwomanteresa/make-money-with-catwoman-teresa-financial-misconceptions-among-women) | *** <center>![Qurator-400.png](https://cdn.steemitimages.com/DQmbH9nn76p2WrfRPrYfgPsAshtv6vF3ZyTNBLvd1N922Kc/Qurator-400.png)</center> <center>![](https://www.catwomanteresa.com/wp-content/uploads/2018/06/Follow-me200.gif)</center> <center>If you like my post, please follow, comment, and upvote me. There will be more exciting posts. See you next time~![bye06.gif](https://www.catwomanteresa.com/wp-content/uploads/2018/07/bye06.gif)</center> *** <center>喜歡我分享的內容的話,歡迎關注、點讚、轉發,接下來還有更多精彩的內容,我們下次見!![bye09.gif](https://images.hive.blog/DQmeuJjCmSVFMzfgDt9BRoXaoUMfX726858NyqAX3Ybx5Zs/bye09.gif)</center> <center><sub>© Copyright 所有照片與文字皆為原創 All photos were taken by the author. All rights reserved</sub></center> *** ###### <center>透過Presearch搜尋Google,輕鬆賺取虛擬幣</center> <center>點下圖連結申請帳號 https://www.catwomanteresa.com/wp-content/uploads/2019/10/Arrow02.gif <a href="https://www.presearch.org/signup?rid=790335" target="_blank" rel="noopener noreferrer"><br><img class="aligncenter" title="Presearch" src="https://www.presearch.org/images/rf/ban-5.jpg" alt="presearch"></a></center> --- For the best experience view this post on [Liketu](https://liketu.com/@catwomanteresa/make-money-with-catwoman-teresa-financial-misconceptions-among-women-iii)
author | catwomanteresa | ||||||
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permlink | make-money-with-catwoman-teresa-financial-misconceptions-among-women-iii | ||||||
category | hive-105017 | ||||||
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mangou007 | 0 | 618,592,132 | 20% | ||
deanliu | 0 | 3,504,410,786,568 | 85% | ||
joythewanderer | 0 | 45,006,102,089 | 100% | ||
magicmonk | 0 | 1,834,704,377,847 | 50% | ||
bert0 | 0 | 1,995,724,994 | 20% | ||
rivalhw | 0 | 2,411,034,804,382 | 100% | ||
nextgen622 | 0 | 389,811,998,995 | 50% | ||
ffcrossculture | 0 | 110,777,189,998 | 100% | ||
azazqwe | 0 | 34,377,506,843 | 100% | ||
blockchaincat | 0 | 1,137,632,083 | 30% | ||
laodr | 0 | 3,659,444,227 | 100% | ||
passion-fruit | 0 | 9,592,325,208 | 100% | ||
fortune-master | 0 | 9,287,839,171 | 100% | ||
nanosesame | 0 | 439,716,987,282 | 80% | ||
livinguktaiwan | 0 | 1,454,906,757,531 | 50% | ||
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catwomanteresa | 0 | 352,980,895,149 | 100% | ||
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aafeng | 0 | 254,004,253,722 | 30% | ||
cn-reader | 0 | 16,803,606,654 | 50% | ||
tvb | 0 | 12,949,327,790 | 100% | ||
floatinglin | 0 | 5,805,622,913 | 100% | ||
kimzwarch | 0 | 14,936,506,482 | 4% | ||
minloulou | 0 | 4,966,410,938 | 70% | ||
victory622 | 0 | 204,562,127,146 | 100% | ||
mochi-mochi | 0 | 4,029,523,305 | 100% | ||
jychbetter | 0 | 409,175,233,945 | 100% | ||
pcma1425 | 0 | 4,204,232,788 | 100% | ||
etherpunk | 0 | 882,403,185 | 50% | ||
may0201 | 0 | 2,888,662,816 | 100% | ||
itchyfeetdonica | 0 | 380,956,429,973 | 70% | ||
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graceli | 0 | 41,504,954,605 | 100% | ||
memeteca | 0 | 5,412,306,800 | 20% | ||
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